Aviva 2013 Annual Report Download - page 3
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Aviva plc
Annual report and accounts 2013
1
Strategic report Governance IFRS Financial statements Other information
What’s inside
View our
online reports
Annual report and
accounts 2013
We provide our annual
report online which allows
us to reduce the amount
of paper we print and
distribute.
Visit Aviva plc
aviva.com/2013ar
Corporate responsibility
report 2013
Find out more about
our commitment to acting
as a responsible member
of the international
business community.
Visit Aviva plc
aviva.com/2013cr
Chairman’s
statement
Group Chief Executive
Ofcer’s statement
Chief Financial
Ofcer’s statement
With the
changes we have
made, and continue to
make, I am condent
that Aviva has the
necessary foundation
to grow.
The turnaround is
intensifying but there is
still much to do.
2013 was a year in
which cash ow,
earnings and the
nancial position of the
Group improved.
Page 04 Page 06 Page 10
Strategic report
Chairman’s statement 04
Group Chief Executive
Ofcer’s statement 06
Chief Financial Ofcer’s
statement 10
Our business model 16
Market context 18
Strategic framework 19
Measuring our
performance in 2013 26
Market focus 30
Risks to our business 44
Our wider impact 46
Board of directors 54
Group executive 58
Chairman’s governance
letter 62
Extract of directors’
remuneration report 64
Governance
Directors’ and corporate
governance report 68
Directors’ remuneration
report 86
IFRS Financial
statements
Independent auditors’
report 106
Accounting policies 110
Consolidated income
statement 124
Consolidated statement of
comprehensive income 125
Reconciliation of Group
operating prot to
prot/(loss) for the year 126
Consolidated statement of
changes in equity 128
Consolidated statement of
nancial position 129
Consolidated statement
of cash ows 130
Notes to the consolidated
nancial statements 131
Financial statements of
the Company 238
Other information
Performance
Financial and operating
performance 248
Selected consolidated
nancial data 262
Information on
the company 264
Analysis of investments 271
Contractual obligations 275
Risk and capital
management 276
Corporate responsibility
key performance indicators 280
Corporate responsibility
assurance statement 282
Shareholder information
Share capital 286
Related party disclosures 288
Guarantees, securitised
assets and off-balance sheet
arrangements 289
Liquidity and capital
resources 289
Regulation 293
Risks relating to our business 299
Shareholder services
Glossary 312
Shareholder services 314